Investment Advisory Services

We provide education, planning and advice tailored for investors with less than $3 million of investable assets.

Job Changer - $175

Have you recently changed jobs? Do you feel like full financial planning is a bit much right now, but you'd like to learn more about the investment options and important documents of your workplace plan? Did you meet with a representative from the plan vendor, but you still have questions? Then our Job Changer offering could be for you. We'll meet for an hour and help you understand your employer sponsored plan and investment options.

Know that your employer is required to deliver information to participants about the plan, its investment options, and its operations before participants make investment decisions. This Job Changer offer should only be considered if you’ve already met with your employer or plan representative and are looking for additional information or education. This offering is educational only. We are unable to offer advice without first building a financial plan.

Basic - $700

A basic plan consists of a Discovery Meeting where we learn about your situation, needs and wants. We'll utilize the information gathered to build a financial plan and portfolio analysis. We leverage Morningstar, an independent industry analyst firm, for the portfolio analysis and MoneyGuide Pro to identify a probability of success that you’ll be able to maintain your desired spending and lifestyle to and through retirement.

We will present the results of our work at our Findings Presentation. At this meeting, we’ll deliver the financial plan, portfolio analysis and investment recommendations that we’ve built for you. We’ll analyze your asset allocation, pointing out any areas of concentration or potential risk. We’ll discuss issues to consider around allocation, income generation, contingency planning and legacy planning. We’ll also provide investment recommendations and walk you through the tools and resources available at your current custodian (we're proficient with Fidelity, Vanguard and TIAA), or other industry resources, to help you implement our recommendations.

Finally, we’ll schedule an Implementation Follow Up meeting to ensure you were able to implement our recommendations and, if not, we’ll work with you to overcome whatever obstacles were in your way.

Should you wish to retain our education and planning services beyond the Basic Plan, you may be interested in our Basic Plus offer where we’ll work on retainer for the year for $700 upfront and $125/month (cancellable at any time with 30 days' notice).

You’ll receive all the services of the Basic Plan, plus portfolio monitoring. Through a data feed approved by you, we can analyze and monitor your portfolio. Should your allocation drift from the target we set, you’ll be alerted and provided recommended trades that can get you back on track. We’ll be available, on call M-F 9-5 for any investment or planning questions.

We will also work with you to prepare for your meetings with your other financial professionals and to review any recommendations your other financial partners have made.

We’ll guide you through income planning, required minimum distributions and basic estate planning. All calls are returned the same day and emails are responded to in 24 hours.

Basic Plus - $700 upfront + only $125/mo for ongoing support

• This may be the best value if you have $250,000 or more of investable assets. Most advisors will only do planning if you pay them to manage your money. It's typical for them to charge at least 1%. Given the super low-cost rebalance options available in the marketplace today, 1% can be a lot for rebalancing and planning. For example, an investor with $1million paying 1% would pay $10,000/year to a more traditional advisory firm. Here at Seaport Financial, you'd get planning and a rebalance strategy for just $2,200 per year. On a $1million portfolio, that's 2.2 basis points or 0.022%.

  We're able to offer full planning at a lower price point by guiding you through the self-service options at your current vendor and letting them do the administrative recordkeeping and tax reporting. Your favorite vendor handles the administrative work, we handle advice and planning, and you save money.